Estimate your Missouri take-home pay per check: 2026 federal tax and FICA, Missouri's graduated income tax with its standard deduction, and the 1% earnings tax if you live or work in Kansas City or the City of St. Louis.
Last updated:
Gross pay
How are you paid?
$
$
h
h
Paid at 1.5× your rate
Same status on federal W-4 and MO W-4; married filing separately: choose Single
Federal (2026 Form W-4)
$
$2,200 per child under 17, $500 per other dependent
$
Missouri (MO W-4) & earnings tax
%
4.7% on income over $9,191 (2025 tables); edit if the rate changes
$
MO W-4 line 3, optional
Your connection to the city
%
Deductions
% of gross
Capped at the 2026 limit of $24,500
$
Section 125 deductions
$
Roth 401(k), union dues, garnishments
Enter your values to see the result.
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How to use the Missouri Paycheck Calculator
Enter your pay: annual salary, or hourly rate with weekly hours and overtime.
Pick pay frequency and filing status; Missouri uses the same status as your federal W-4.
Choose Kansas City or St. Louis if you live there or physically work there.
Add deductions such as 401(k) and health insurance premiums.
Press Calculate take-home pay to see federal, Missouri, city and FICA lines per check and per year.
How Missouri paycheck tax is calculated
Missouri taxable wages = wages − traditional 401(k) − section 125 deductions − Missouri standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household for 2026, matching federal)
Missouri tax = 0% on the first $1,313, 2% / 2.5% / 3% / 3.5% / 4% / 4.5% on each next $1,313, and 4.7% on income above $9,191 (2025 tables)
Earnings tax (Kansas City or St. Louis) = wages including 401(k) − section 125 deductions, × 1%
Example: a single Kansas City resident earning $60,000 with no pre-tax deductions has $60,000 − $16,100 = $43,900 of Missouri taxable wages. Tax on the first $9,191 is $256.04, plus ($43,900 − $9,191) × 4.7% = $1,631.32, for $1,887.36 a year. The Kansas City earnings tax adds $60,000 × 1% = $600, so the two together come to about $95.67 per biweekly check.
Missouri income tax brackets (2025 tables)
Missouri taxable income
Rate
Tax at top of bracket
$0 – $1,313
0%
$0.00
$1,313 – $2,626
2%
$26.26
$2,626 – $3,939
2.5%
$59.09
$3,939 – $5,252
3%
$98.48
$5,252 – $6,565
3.5%
$144.43
$6,565 – $7,878
4%
$196.95
$7,878 – $9,191
4.5%
$256.04
Over $9,191
4.7%
$256.04 + 4.7% of the excess
Missouri's 2022 tax cut law lowers the top rate in 0.1-point steps (toward 4.5%) in years when state revenue triggers are met, and the bracket widths are indexed for inflation. The top rate field above is editable so you can apply a newer rate from the Missouri Department of Revenue.
Tips for Missouri workers
Form MO W-4 only asks for filing status and any extra withholding; there are no allowances to claim.
On the annual MO-1040 you may deduct part of your federal income tax if your income is low or moderate; the deduction phases out entirely above $125,000 of AGI. Withholding ignores it, so lower earners often get a small refund.
Kansas City and St. Louis voters must renew the earnings tax every five years; both cities last renewed it in 2021.
Non-residents who worked part of the year from home outside the city can file a refund claim with the city's revenue office using a day count from their employer.
Frequently asked questions
What is the Missouri income tax rate?
Missouri uses graduated brackets. For 2025 the first $1,313 of taxable income is taxed at 0%, the next brackets rise from 2% to 4.5% in $1,313 steps, and income above $9,191 is taxed at the top rate of 4.7%. Because the brackets are so narrow, almost every full-time worker reaches the top rate.
Does Missouri have a standard deduction?
Yes. Missouri's standard deduction equals the federal standard deduction for your filing status, and the Missouri withholding formula subtracts it before applying the brackets. Missouri no longer uses withholding allowances on Form MO W-4.
What is the Kansas City earnings tax?
Kansas City, Missouri charges a 1% earnings tax on wages of residents wherever they work and of non-residents for work physically done inside the city. Employers withhold it from paychecks. Kansas City, Kansas does not have this tax.
What is the St. Louis earnings tax?
The City of St. Louis charges a 1% earnings tax on residents' wages and on non-residents' wages for work performed within the city. It applies only to the independent City of St. Louis, not to St. Louis County or its municipalities.
Do I pay the earnings tax if I work from home?
Non-residents owe the Kansas City or St. Louis earnings tax only for days they physically work in the city. If you live outside the city and work remotely, those days are not taxable and you can claim a refund of tax withheld for them. City residents pay on all wages.
Is my 401(k) taxed by Missouri?
Traditional 401(k) deferrals are excluded from Missouri taxable wages, just as they are for federal income tax. The Kansas City and St. Louis earnings taxes, however, apply to gross wages including 401(k) deferrals.
I live in Kansas and work in Missouri. Which state taxes me?
Missouri has no reciprocity agreements, so Missouri tax is withheld on wages earned in Missouri. Kansas residents then claim a credit on their Kansas return for tax paid to Missouri, so the income is not fully taxed twice.
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